The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$13,481
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,901
−HK$426/mo
Today · 4.125%
HK$14,327
baseline
▲ 0.50% · 4.625%
HK$15,199
+HK$872/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,654/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,998
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,400
−HK$408/mo
Today · 4.125%
HK$15,808
baseline
▲ 0.50% · 4.625%
HK$16,642
+HK$834/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,616/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,178
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,681
−HK$511/mo
Today · 4.125%
HK$17,192
baseline
▲ 0.50% · 4.625%
HK$18,238
+HK$1,046/mo
Deposit HK$2.36M · loan HK$3.55M · min. income ≈ HK$34,384/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,998
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,480
−HK$490/mo
Today · 4.125%
HK$18,970
baseline
▲ 0.50% · 4.625%
HK$19,970
+HK$1,000/mo
Deposit HK$2.36M · loan HK$3.55M · min. income ≈ HK$37,940/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,874
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,461
−HK$597/mo
Today · 4.125%
HK$20,058
baseline
▲ 0.50% · 4.625%
HK$21,278
+HK$1,220/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$40,116/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,997
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,560
−HK$572/mo
Today · 4.125%
HK$22,132
baseline
▲ 0.50% · 4.625%
HK$23,298
+HK$1,166/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$44,264/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,267
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,022
−HK$766/mo
Today · 4.125%
HK$25,788
baseline
▲ 0.50% · 4.625%
HK$27,358
+HK$1,570/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$51,576/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$133,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,996
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,720
−HK$735/mo
Today · 4.125%
HK$28,455
baseline
▲ 0.50% · 4.625%
HK$29,955
+HK$1,500/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$56,910/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$133,027 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).